How Much Can Tradebinding and Related Work Businesses Get in SBA Loans?
364 SBA loans totaling $119.8M have been approved for tradebinding and related work businesses (NAICS 323121). The average approved SBA loan is $329K, which is 3% below avg the $340K national average. 121 active lenders fund this industry with a 12.5% default rate on the matured 2018-2021 loan cohort.
At 12.5%, Tradebinding and Related Work sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 323121 (Tradebinding and Related Work) received 364 SBA loans worth $119.8M across 5+ states. Average loan $329K, average term 133 months, 12.5% default rate (resolved-loan basis).121 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
FY2026 Manufacturing Fee Waivers Active
The SBA has waived guaranty fees for manufacturers (NAICS 31-33) through September 30, 2026:
504 loans — all guaranty fees waived for manufacturing
7(a) loans up to $950K — guaranty fee waived
Revolving credit line — manufacturers only (new Oct 2025)
The proposed Made in America Manufacturing Finance Act (H.R. 3174) would double SBA limits to $10M for domestic manufacturers — currently passed House, awaiting Senate vote.
Which SBA Program Do Tradebinding and Related Work Businesses Use Most?
What Is the Best SBA Loan for Tradebinding and Related Work?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Tradebinding and Related Work SBA Loans Most Common?
Top SBA Lenders for Tradebinding and Related Work
These banks have funded the most SBA loans for tradebinding and related work businesses (NAICS 323121). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 31 | $11.5M |
| 2 | Bank of America, National Association(NC) | 28 | $4.1M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 17 | $2.5M |
| 4 | Citizens Bank, National Association(RI) | 14 | $748K |
| 5 | PNC Bank, National Association(DE) | 11 | $2.6M |
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How Does SBA Lending Work for Tradebinding and Related Work Businesses?
Across all SBA loan programs, 364 loans have been approved for businesses classified under NAICS 323121 (Tradebinding and Related Work), representing $119.8M in total capital deployed. The average approved loan of $329K is 3% below avg the national SBA average of $340K, with typical repayment terms of 133 months.
SBA lending for tradebinding and related work has remained relatively stable across recent fiscal years. 121 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 18% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
As a manufacturing business under NAICS 31-33, you qualify for enhanced SBA incentives through September 30, 2026. The SBA has fully waived guaranty fees on all 504 loans and on 7(a) loans up to $950,000 for manufacturers. Additionally, the MARC (Manufacturers' Access to Revolving Credit) program launched in October 2025, offering up to $5M in revolving credit exclusively for domestic manufacturers — a first for SBA lending.
Frequently Asked Questions — Tradebinding and Related Work SBA Loans
What is the average SBA loan size for tradebinding and related work businesses?
Which SBA loan program is best for a tradebinding and related work business?
How many lenders fund SBA loans for tradebinding and related work?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help tradebinding and related work businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Tradebinding and Related Work defined by NAICS code 323121. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.